Dynamic Mortgage Loan Officer — Grow Your Client Book

Miami Neuroscience Institute Baptist Health South Florida; Plantation (FL); On-site; USD 60,000 - 175,000; Full time

Job summary

Citi is hiring a Mortgage Lending Officer in Plantation, FL to originate high quality residential real estate loans and build strong relationships with clients, real estate agents, and referral partners. You will collaborate with branches, processors, and underwriters to ensure a smooth loan process from intake to closing.

The role requires 2-5 years of mortgage experience, a solid book of business, and knowledge of FHA/VA and conventional loans.

Qualifications

• 2-5 years relevant experience.
• 3+ years previous mortgage sales experience required.
• Residential Mortgage experience required.
• Established book of business.
• Proven product sales capability is required.
• FHA/VA & conventional loan experience is preferred.
• The ability to comprehend and explain financial calculations and pricing alternatives.
• Knowledge of the laws and regulations that govern consumer lending, including fair lending, privacy, and RESPA.
• Demonstrated customer service skills.
• Strong relationship development and management skills.

Responsibilities

• Consult with customers about their financial situation, financial and personal objectives and lending needs for the purpose of helping them achieve their home ownership goals.
• Collect and analyze information about the customer's financial situation, financial and personal goals, tolerance for risk and change, plans for the future, income, assets, debts, cash flow, and credit history.
• Analyze financial information for customers to make an initial assessment regarding whether the customer and the property may qualify for a particular lending solution.
• Make recommendations to customers about which lending solutions would best meet the customers' financial and personal objectives
• Advise customers about the consequences, risks, and benefits of alternative lending solutions.
• Promote Citi's brand, and promote Citi as the provider for lending and other financial solutions.
• Visit customers outside of Citi's offices, with such visits to vary based on clientele, geography, market conditions, and other factors.
• Work as a team with all internal partners to support and grow our customers.
• Refer customers who seek financial services other than lending solutions to the appropriate Citi professionals.
• Partner with Operations teams to ensure the seamless transfer of the loan application in order to provide documents to the Processors and acquire any additional information needed by the Processors and/or Underwriters.
• Work with Processors/Closers and customers to ensure the timely closing of the customer's loan.
• Go outside to key referral relationships to drive mortgage business into the bank.
• Introduce clients to segment partners when appropriate.
• Keep abreast of trends and developments in local marketplace, and expand internal and external network to better serve clients and industry professionals
• Appropriately assess risk when business decisions are made, ensuring compliance with laws and internal policies.

Skills

Mortgage sales

Residential lending

Book of business

Regulatory compliance

Customer communication

Relationship management

NMLS licensing

Education

Bachelor's/University degree or equivalent experience

Job description

Citi is hiring a Mortgage Lending Officer in Plantation, FL to originate high quality residential real estate loans and build strong relationships with clients, real estate agents, and referral partners. You will collaborate with branches, processors, and underwriters to ensure a smooth loan process from intake to closing.

The role requires 2-5 years of mortgage experience, a solid book of business, and knowledge of FHA/VA and conventional loans.